Lower Your 2006 Mazda MPV Insurance Rates

Are you tired of scraping the payment together to make your auto insurance payment? You are no different than many other drivers.

Due to the large number of insurance providers from which to choose, it is very difficult to pick a lower cost company.

You should make it a habit to do rate comparisons on a regular basis because rates change frequently. Even if you got the best premium rates on MPV coverage a couple years back a different company probably has better prices today. You can search a lot of auto insurance on the internet, but in just a couple of minutes you can learn some tested techniques to save money.

Learn how to buy auto insurance more affordably

An important part of buying insurance is that you know some of the things that come into play when calculating the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in big savings. Many factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but other criteria are less obvious such as your marital status or your commute time.

The itemized list below are just a few of the factors companies use to determine prices.

  • Women tend to be lower risk – The statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both sexes get in accidents at a similar rate, but males tend to have higher claims. Men also tend to have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure so it costs more to insure them.
  • Comp and collision deductibles are a factor – Comprehensive and collision coverage deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage insurance, also called comprehensive and collision insurance, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, fire damage, or theft of your vehicle. The more you’re willing to pay, the less money you will pay for auto insurance on MPV coverage.
  • Does your occupation raise your auto insurance rates? – Occupations such as judgespolice officers and medical professionals have higher average rates in part from intense work-related stress and lots of time spent at work. On the flip side, occupations like actors, athletes and the unemployed pay the least on MPV coverage.
  • Teen drivers pay higher rates – Older drivers are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.Inexperience drivers are proven to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates.
  • Liability limits are a factor – The liability section of your policy will protect you if you are found liable for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Companies want multiple policies – Most auto insurance companies afford discounts to clients that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to help guarantee you have the best rates.There is a good possibility that you can find lower rates by splitting coverages up.
  • Never allow your coverage to lapse – Having a lapse in insurance coverage will be a quick way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance will get you a steep fine or even jail time.

How to find the cheapest auto insurance

There are multiple methods to compare auto insurance quotes, but some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company returns a rated price based on that data. This saves time by eliminating quote requests for each company. To find out how much you’re overpaying now click here (opens in new window).

The single downside to using this type of system is you can’t choose which companies you want pricing from. If you prefer to choose specific providers to compare rates, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

How you compare quotes is your choice, just do your best to enter exactly the same coverage limits and deductibles for each comparison quote. If each company quotes different liability limits it’s impossible to make a fair comparison for your Mazda MPV. Having just a slight variation in coverages could skew the results. And when comparison shopping, comparing more rates from different companies helps you find more affordable rates. Some companies don’t provide price estimates online, so it’s important to compare prices on coverage from those companies, too.

Advertising myths

Car insurance companies such as Allstate and Progressive seem to constantly run ads on TV and radio. They all seem to convey the message about savings if you just switch your policy. How is it possible that every company can give you a better price? This is the way they can do it.

All companies provide the lowest rates for the type of driver that will add to their bottom line. An example of this type of risk profile could be a mature driver, has few claims, and drives less than 10,000 miles a year. A customer getting a price quote who fits those characteristics may get the lowest auto insurance rates and will also pay quite a bit less when switching companies.

Consumers who fall short of those criteria will have to pay more expensive rates which results in the customer not purchasing. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save that much money. That’s why companies can truthfully make those claims.

Each company has different criteria, so you really should compare rate quotes every year. It is just not possible to predict which car insurance company will fit you best based on your risk profile.

Affordable auto insurance quotes with discounts

Car insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Lower Rates for Military – Having an actively deployed family member can result in better prices.
  • Discount for Life Insurance – Companies who offer life insurance give a discounted auto insurance rate on car insurance if you buy auto and life insurance together.
  • Defensive Driver Discounts – Passing a defensive driver course could earn you a small percentage discount and easily recoup the cost of the course.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
  • Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Low Mileage Discounts – Driving fewer miles can earn better auto insurancerates on cars that stay parked.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Auto insurance companies that may have some of the discounts shown above are:

When comparing rates, check with each company which credits you are entitled to. Some discounts listed above may not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are my friends covered when driving my 2006 Mazda MPV?
  • Does my insurance cover my expensive audio equipment?
  • What happens if I owe more than my 2006 Mazda MPV is worth?
  • Will my insurance pay for OEM parts?
  • What is high-risk coverage and where do I buy it?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Collision – Collision insurance covers damage to your MPV resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage kick in for bills for things like chiropractic care, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like medical services, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Mazda MPV.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, falling objects and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Make an honest buck

Affordable 2006 Mazda MPV insurance can be sourced from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best selection. A few companies may not provide rates over the internet and these smaller providers only sell coverage through independent insurance agents.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many situations where an accident victim reduced collision coverage only to discover later that it was a big mistake. The ultimate goal is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

You just read some good ideas how you can compare 2006 Mazda MPV insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance coverage. You may even find the best price on insurance is with a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

Much more information about insurance can be read below:

Comments About 2006 Mazda MPV Insurance

  1. Vince Buckner

    Does West Virginia require a SR-22 after a DUI?

  2. Maryanna Kramer

    Thought I’d throw in my experience. I’m in Columbus, GA. Received prices from Progressive, American Family, Erie, and The General for my 2006 Mazda MPV and I think I am saving around $50 each month. Got better coverage too.

  3. Venice Suarez

    I found pretty cheap rate quotes for a 2006 Mazda MPV in Frederick, Maryland. Ended up at roughly $210 every six months with Auto-Owners. Wish I didn’t have to insure at all.

  4. Wes Key

    I live on the north side of Overland Park, KS. Quoted with State Farm, Hartford, and Erie for my 2006 Mazda MPV and saved $294 a year. Was with Safeco. I get multi-vehicle and multi-policy discounts. Online quotes are the way to go.

  5. Magaret Stout

    Corporate greed I’m telling you. I’m just east of Rochester, Minnesota. Got quotes with 21st Century, Encompass, and Hartford for my MPV and am saving around $130 a year. Was with USAA. I recommend comparing lots of rates.

  6. Steffanie Mejia

    From west side of Little Rock, AR. I quoted with American Family, Erie, and Mercury for my 2006 Mazda MPV and saved about $230 a year. Left Western Auto Insurance to switch.

  7. Dorotha Irwin

    All companies are crooks. Live in Kailua, HI. Checked online prices for a 2006 Mazda MPV. Ended up at about $320 savings annually. Went with State Farm. Was with Mercury. I think they have home insurance too.

  8. Candyce Garrett

    Just my two cents. I live on the east side of Charleston, West Virginia. Got prices from Allstate, Auto-Owners, and some I forget for my Mazda and saved about $130 a year. Left Amica to switch. Even increased my liability limits.

  9. Angie Mueller

    Anyone buy from AIG Insurance? I’m in Nashville, TN.

  10. Carolyne Dyer

    Not sure if this is cheap. I live just to the west of Minneapolis, MN. I got free prices from Nationwide, Encompass, Progressive, and AIG Insurance for my 2006 Mazda MPV and I think I saved around $40 each month.

  11. Ezequiel Bender

    I got a good deal I think. Checking in from Denver, CO. I got free rates from AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Mazda and saved around $160 a year. Insured with 21st Century before.

  12. Raven Garrison

    I found cheap 2006 Mazda MPV insurance in Albuquerque, New Mexico with 21st Century.

  13. Duncan Cochran

    I found pretty cheap rate quotes for a 2006 Mazda MPV in San Jose, CA. Ended up at about $340 every six months with AIG Insurance. Was with State Farm. Thankfully I’m not a high risk driver.

  14. Gwenn Humphrey

    Enjoyed the article. I’m in the east part of Rockford, Illinois. Checked online prices for a 2006 Mazda MPV. Ended up at about $230 savings annually. Went with Allstate. Hopefully won’t need it. Did it all online.

  15. Justin Clay

    I live south of Bellevue, Nebraska. Not sure of all the companies but I ended up saving about $50 each month. I have several vehicles insured with them. They were helpful in switching over.

  16. Kera Johns

    Well-written and thought out article. I live just to the east of Lincoln, NE. Quoted prices from American Family, Sentry, and Travelers for my 2006 Mazda MPV and saved $169 a year.

  17. Despina Gray

    I live just to the east of Miami, FL and for me GEICO had the lowest quote. Insured with Encompass before. Got better coverage too.